Uburyo Kuzamuka kw'inyungu za Federasiyo bishobora kugira ingaruka kubaguzi b'amazu n'abagurisha

Iyo Banki nkuru yigihugu izamuye igipimo cy’amafaranga ya federasiyo, ikunda gutuma inyungu ziyongera mu bukungu, harimo n’inguzanyo.Reka tuganire mu ngingo ikurikira uburyo iki gipimo cyongera ingaruka kubaguzi, abagurisha na banyiri amazu bashaka gutera inkunga.

Uburyo Abaguzi Bamazu Bagira ingaruka

Nubwo igipimo cyinguzanyo nigipimo cyamafaranga ya federasiyo ntaho bihuriye, bakunda gukurikiza icyerekezo rusange.Kubwibyo, igipimo kinini cyamafaranga ya federasiyo bisobanura igipimo cyinguzanyo kiri hejuru kubaguzi.Ibi bifite ingaruka nyinshi:

• Wujuje ibisabwa kugirango ubone amafaranga make.Umubare w'amafaranga atangwa n'abaguriza ushingiye ku kwishura kwawe mbere no kwishyura buri kwezi ushobora kwishyura ukurikije igipimo cy'umwenda-winjiza (DTI).Uzagira amafaranga yinguzanyo make ushobora gukemura kuko ubwishyu bwawe buri kwezi buri hejuru.Ibi birashobora kugira ingaruka cyane kubaguzi bwa mbere kuko badafite amafaranga yo kugurisha inzu kugirango bishyure amafaranga make yinguzanyo hamwe no kwishyura mbere.
• Urashobora gusanga bigoye kubona amazu murwego rwibiciro byawe.Mugihe ibiciro bizamuka, abagurisha mubisanzwe bahitamo kugumya ibiciro bidahinduka ndetse barashobora no kubigabanya niba batabonye ibyifuzo nyuma yigihe runaka, ariko ni ngombwa kumenya ko ibyo bidashobora icyarimwe.Muri iki gihe, ibarura ntirihagije ku isoko ryamazu kugirango rikomeze kugemurwa, cyane cyane iyo ari amazu asanzwe.Kubera iyo mpamvu, icyifuzo cya pent-up gishobora gukomeza ibiciro biri hejuru mugihe kitari gito.Abaguzi bamwe ntibashobora gutekereza kugura amazu mashya by'agateganyo.
• Ibiciro biri hejuru bisobanura kwishyura inguzanyo nyinshi.Ibi bivuze ko uzakoresha igice kinini cyingengo yimari yawe ya buri kwezi munzu yawe.
• Ugomba gusuzuma witonze kugura no gukodesha.Mubisanzwe, hamwe nibintu byumutungo bizamuka byihuse, igiciro cyubukode kizamuka vuba kuruta kwishyura inguzanyo, ndetse nibiciro biri hejuru.Ariko, urashobora kubara ukurikije akarere kawe kuko buri soko riratandukanye.

Uburyo Abagurisha Murugo Bagira ingaruka

Niba uteganya kugurisha inzu yawe, ushobora kumva ko arigihe gikwiye kuva ibiciro byamazu byazamutseho 21.23% uyumwaka.Mugihe ibiciro bizamuka, hari ibintu byinshi ugomba gusuzuma:

• Abaguzi bashimishijwe barashobora kugabanuka.Ibiciro biri hejuru bivuze ko abantu benshi bashobora kugurwa hanze yisoko ryubu.Nukuvuga ko, bishobora gufata igihe kinini kugirango ibyifuzo byinjire murugo rwawe kandi ushobora gutegereza igihe kugirango bigurishe inzu yawe.
• Wowe mbona mbona bigoye kubona inzu nshya.Imwe mumpamvu zituma urugo rwawe rwifuzwa cyane kandi rukazamura ibiciro byinzu ni ukubera ko hari amahitamo make ku isoko.Icyo ugomba kumenya nuko nubwo winjiza amafaranga menshi murugo rwawe, amaherezo ushobora gukenera gukoresha amafaranga menshi kugirango ubone indi nzu.Waba kandi ubikora kurwego rwo hejuru.
• Inzu yawe ntishobora kugurisha hejuru nkuko ubyiteze.  Iki nigice kitoroshye guhanura kuko kubara ni bike cyane ko ibiciro bizakomeza kuba hejuru mubice byinshi igihe kirekire kuruta uko byari bisanzwe mubidukikije bizamuka.Ariko, aho bigeze, ubwoba bwamazu buzarangira.Urashobora kugabanya igiciro cyawe kugirango ubone ibyifuzo mugihe ibyo bibaye.Ukuntu banyiri amazu bigira ingaruka

Niba uri nyir'urugo, uburyo wagira ingaruka ku kwiyongera kw'amafaranga ya reta biterwa n'ubwoko bw'inguzanyo ufite n'intego zawe.Reka turebe ibintu bitatu bitandukanye.

Niba ufite inguzanyo ihamye kandi ntakintu ushobora gukora, igipimo cyawe ntikizahinduka na gato.Mubyukuri, ikintu cyonyine gishobora guhindura ubwishyu bwawe ni ihindagurika ryimisoro na / cyangwa ubwishingizi.

Niba ufite inguzanyo ihindagurika-igipimo, igipimo cyawe gishobora kuzamuka cyane niba igipimo kigomba guhinduka.Byumvikane ko, niba ibi bizabaho cyangwa bitazabaho ndetse nuburyo bingana biterwa na caps mumasezerano yawe yinguzanyo nuburyo igipimo cyawe kiri kure yikiguzi cyamasoko mugihe ihinduka ryabaye.

Ugomba kumenya ko niba warafashe inguzanyo nshya igihe icyo aricyo cyose mumyaka mike ishize, birashoboka ko utazabona igipimo gito niba ureba inguzanyo.Ariko, ikintu kimwe kigomba kwibuka nuko muri ubu bwoko bwisoko nuko imyaka izamuka ryibiciro bivuze ko abantu benshi bafite imigabane myinshi.Kurugero, ibi birashobora gukora kubwinyungu zawe muguhuza imyenda.

Iyo Federasiyo izamuye igipimo cy’amafaranga ya federasiyo, igipimo cy’inyungu gikunda kuzamuka mu gihugu cyose.Biragaragara, ntamuntu ukunda igipimo cyinguzanyo kiri hejuru, bazahora bari munsi yinyungu yikarita yawe yinguzanyo.Guhuriza hamwe imyenda birashobora kugufasha gukuramo umwenda munini cyane mu nguzanyo yawe kandi ukayishyura ku giciro cyo hasi cyane.

Ibyo Abaguzi Bamazu Bashobora Gukurikira

Kuzamura igipimo cyinyungu zinguzanyo mubisanzwe ntabwo ari byiza, ariko ibyo ntibigomba kukubuza kuva mubaguzi b'amazu ukajya kuri nyiri urugo rushya muri Amerika.Byose biterwa nubukungu bwawe kandi niba ushobora kwishyura amafaranga make yinguzanyo ya buri kwezi.

Urashobora kugura utitaye ko ari isoko ryiza niba ufite umwana gusa ukeneye umwanya munini cyangwa ugomba kwimuka kukazi.

Ugomba kuguma ufite ibyiringiro nubwo ibiciro biriyongera niba ushobora kugura inzu.